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Retirement Calculator
Retirement Savings at 65
$1,234,567
Years to Retire
35 years
Total Contributions
$210,000
Interest Earned
$974,567
Monthly Income (4%)
$4,115/mo
Retirement Goal Analysis
Savings Needed (25x)$1,200,000
Gap/Surplus+$34,567
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How to Use the Retirement Calculator
- Enter your current age and target retirement age
- Input current savings and monthly contribution
- Adjust expected return rate (7% is historical average)
- Set your desired monthly retirement income
Retirement Planning Rules
- 4% Rule - Safe withdrawal rate for 30 years
- 25x Rule - Save 25× annual expenses
- Rule of 72 - Years to double = 72 ÷ rate
- 15% Guideline - Save 15% of income
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Frequently Asked Questions
How much do I need to retire?
A common rule is 25x your annual expenses (4% withdrawal rate). If you spend $40,000/year, aim for $1 million.
What is the 4% rule?
The 4% rule suggests withdrawing 4% of your portfolio in year one, then adjusting for inflation. Historically lasts 30+ years.
When should I start saving for retirement?
As early as possible. Starting at 25 vs 35 can mean 2x more savings at retirement due to compound interest.
How much should I save monthly?
Aim for 15-20% of income including employer matches. More if starting late, less if starting early.